Intro Rate Home Loan - AMP - 1 yr Intro Variable Classic LVR >90%

Comparison Rate	7.06%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,256.25
Monthly Payment Est.	$1,327.75
Total Amount Paid Est.	$481,166
Establishment Fee	$350.00

6.44%

Target Market
Total loans less than $100K

Acceptable Income
PAYG, Self Employed, Salary & Wage Earners

Home Loan Loan Term
Minimum Principal & Interest - 10 years; Interest Only selected IO period
Maximum Interest Only term - 5 years (10 years subject to Credit approval)
Maximum total term- 30 years

Home Loan Loan Size
Minimum Loan $40K ,
Maximum Loan $2M ,
For loans greater than 2 million refer to BDM.

Home Loan Repayment Type
Principal & Interest ,
Interest Only

Repayment Options
Principal & Interest - Weekly, Fortnightly, Monthly ,
Interest Only - Monthly

Extra Repayments
Yes at any time by electronic transfer, by mail or deposit made at Australia Post.

Split Loan Facility
Yes available up to 10 splits with minimum $10,000 per split. ,
Additional splits available are Fixed Rates, Basic Variable and Business Classic Loans. ,
$75 per additional split.

Offset
Yes 100% Mortgage Offset, no account keeping or domestic transactions fees and no minimum balance.

Redraw Facility
BankNet no minimum redraw amount.

LVR for Intro Rate Home Loan - AMP - 1 yr Intro Variable Classic LVR >90%

Existing Customers - May borrow up to 95% LVR + LMI cap ,
New Customers - May borrow up to 90% LVR + LMI cap ,
Owner Occupied Maximum LVR 90 ,
Investment Maximum LVR 90% ,
Refinancing Maximum LVR 90% ,
Debt consolidation Maximum LVR 90% up to 5 debts ,
Over 1 Million subject to security location and maximum LVR allowable.

Fees for Intro Rate Home Loan - AMP - 1 yr Intro Variable Classic LVR >90%

Establishment Fee $350 ,
Settlement Fee $250 plus Solicitors Fee $295 (Displayed Mortgage Prep Fee) ,
Account Keeping Fee $10 per month ,
LMI processing Fee $100 (in addition to any LMI premium payable) ,
Deferred Establishment Fee $ 1,000 if discharged within 4 years ,
Additional Deferred Establishment Fee (for Intro 1 yr loans only): 1% if discharged within two years 1-2 in lieu of the $1000 DEF above, however the $1000 still applies for years 3-4. ,
Pre Approval Fee $350 ,
Multiple Security Fee of $250 (payable each additional property) ,
Master Limit Application Fee $200 ,
Valuation fees -First is free. For valuations <$1M customers pays costs in excess of $220 for metro and $330 for non-metro. For 1million customer pays costs in excess of $550 in all areas. ,
Loan Variation Fee / Switch / Increase Fee $350